Wayne-- treat your 3 children the same way. Don’t let your wife make you treat your own daughter differently. Your daughter and sons are your blood. Your wife is going to try to take care of her sons all her life. She will always marginalize your daughter. You should honor the good soul of your daughter even if your daughter is not perfect. Are your sons perfect? John is so right about this situation. I worry for your daughter in this situation with your wife. Don’t use money to punish your daughter
What a great rep[y, how true, I took care of my sons for too long, and it has turned out okay but I should have done it sooner. They blossomed and grew and I focused on my health and myself. It was worth it. You do them no favors if you wait to long.
I feel the same way. He seems to have made mistakes in his life, yet his daughter has to be perfect to deserve his money... new young wife is being greedy
STEP MOM should be out of the will bc she is NOT being godly. She better watch out bc she may think her biological children will be prefect, but life hs a funny way of working things out to teach some real world lessons. Cruel.
He divorced her mother, wasn’t in her life for 6 years and now wants to get the blessings from strangers to cut her out of the will now that his new younger wife thinks that’s best? That’s so wrong and sad. Come on man.
I need to relisten. I honestly got something else. I thought he just wanted to make sure his will had provisions to safeguard squandering or reckless living.
And trying to use "faith" to justify it. He is no more free of sin than his daughter. Hate this type of Christianity so much. Hypocrites. Hypocrites everywhere.
That first call was heartbreaking. If my kids are not practicing Christians, decide to convert to Bushism or any other religion they’re still my kids. I hope his daughter turns out to be a better parent than him. Heartless call.
Well say the daughter converted to Islam and is married. She's still a wife of one man. In this scenario she would still be "living by the Bible" although not practicing Christianity. If that makes any sense.
@@richsamuel2922 I come from the old world where we are apostolic orthodox Christians. We still have practices dating back to the earliest of early Christianity. We don’t cut out our children. This idiot didn’t even say what his daughter was doing right or wrong only if she leads a non churchgoing life she’s out of the will. Excuse me sir. You are having multiple children with different women. In the eyes of God you are still married to wife number 1. So let he without sin cast the first stone.
I doubt the man who called about the inheritance for his daughter will read this, but if you want to permanently hurt your daughter, manipulate her with inheritance. I don't know why you would sit her down at 24 and tell her she won't inherit anything if she doesn't live "according to the Bible" which can have so many different meanings for so many different people. And shame on your second wife wanting to cut out your biological daughter. Your wife doesn't sound like the "god-fearing" Christian that you describe her as. My worst fear would be something happening to me and my husband remarrying someone cruel like your new wife who would want to be mean to my daughter. I don't usually leave comments for strangers on the internet, but Ramsay got this one wrong.
As a dad of two, my goal is to be in my kid's lives and guide them into adulthood. Inheritance and solid relationship are two different things. Inheritance is what is given when you die. Each year you have to consider who will take care of your kids, funeral, and estate. Also who will be executor over it all. Solid relationship is what you get after healing whatever hurts may be present or simply guiding your children into a position of equal standing. You may need to get together with your adult children and do things together in order to build greater trust. Deciding what charitable work your money may do at the end of it all comes a long way after providing for your family and building solid relationships. To be fair to Dave, I think he already did a good job of providing for his kids and developing their relationship to the point where they can communicate as equals. 2 His advice was still solid: don't use a future Inheritance as a carrot to get what you want.
Paying down my mortgage ahead of time paid dividends when interest rates shot up a few years ago, as my mortgage payment did not soar with the extra interest because the principal balance was fairly low. I am now down to just over 6k principal, so interest is under £30. I am looking forward to being mortgage free sometime in late 2025, maybe even sooner if I can get some extra cash from somewhere. Definately worth it. Even now if I had to row back, my payments would be very low.
Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!
Being people’s person is very vital as my grandfather used to say who was a great leader and loved by the people. You can’t treat people as numbers although to some that’s all it is. Dr.Deloney’s sub numbers are skyrocketing because of his humility not lecture. The numbers speak for itself.
I agree with title of this video. I paid off my house three yrs early and had almost zero $$ left when it was paid for. Now Ive been saving for almost two years and have more $$ now than i did when i started paying it off. I plan to continue saving even though the amount Im saving each month is kind of painful. Its worth it.
I was homeless, did drugs, went into prison, where I got to know God. He changed my life. Now I have a home, a wife and a lovely year old daughter (Zoe), and a stream of income that gets me $32,000 Weekly. Plus a new identity- a child of God. Hallelujah!!!
YES!!! That's exactly her name (Mary Margaret Schimweg) so many people have recommended highly about her😊 and am just starting with her Brisbane Australia🇭🇲
Chloe’s husband is probably going through what so many jobseekers go through these days. Jobs that pay over $15 an hour require 5 interviews and have 200 applicants. But too bad, if you can’t get the job you want, you have to settle for something that puts food on the table. There’s no shame in being employed, even if it is throwing boxes or flipping burgers. It’s hard for all of us right now. I’m not even in the USA, and it’s the same in my country. But you know who’s hiring? The grocery stores and labour agencies. Swallow your pride and do your duty as a husband.
That was a heavy call! We cannot control our children.... we can only guide them.. and teach them the ways of the Bible, the rest is up to them! Never punish them with your wealth.
My family has used the will as a bargaining chip, manipulation tool and I politely let them know I want nothing. My peace means more to me that anything and when I hear any parent talk of if you want my money you need to do this and that, I say if you cannot will me the money with no string attached, keep it.
Regarding the first caller, if his daughter is atheist or agnostic but is still a kind, loving and giving person, she is still cut out of the will because she's not a "Christian"? I didn't realize coercion was biblical. So much for free will....
@@curlsncoilsnwaves7324 yes he has the choice to be a decent father or not. Clearly his weak spine and his new wife rather not leave money to the daughter.
It’s an excuse and he’s trying to justify why he’s not including her in the inheritance. We all know the real reason…. New wife wants to cut out step daughter, all money should go to her kids.
My question would be how active of a father was he in his daughter’s life did you dip in and out? Were you consistent when you got married the second time because this seems as if your wife is trying to be stricter with her stepdaughter than she would wear her own children.
That first call is total bologna. His wife is trying to manipulate him and control the situation to appease her. Unless the kid is abusing drugs or something of that magnitude, she is entitled to her share of the inheritance, whether she becomes a beliver or not. The whole premise of the call was not very "christian."
Wayne, did you live according to the Bible when you were 24? I doubt it!!! Give your daughter some grace. She 24 not 44! What exactly is she doing? Give her some time!!!!
Why do the hosts always try to convince a caller that their marriage is on the verge of divorce? They keep doing this without really knowing all of the details and background. That’s really irresponsible.
Step mom should be out of the will bc she is NOT being godly. She better watch out bc she may think her biological children will be prefect, but life hs a funny way of working things out to teach some real world lessons. Cruel.
My dept just approved me to work Overtime helping another dept. Im hoping that 2025 will be the year I pay my leftover $19,000 school loan out of $46,000.
I love Dave and John speaking about what a man is and is not! I could go on and on about the males in my life but, i wont. Gods given me a way forward. I hope to meet, fall in love and marry a MAN one day.
I'm very glad they call3d her out.. your kids are very little if they start straying will you take em out?? Probanly not.. I will never understand peopemqho blend families and think this way! I hope that step mom changes her mind set and I hope that father continues to build with his child !
That first call really makes me struggle with Ramsey at times. Imagine cutting your daughter out of a will because she doesnt have the same beliefs. Dave says if shes doing cocaine which i agree woth, but if shes a woman of good character, good morals etc but is atheist, but respects your beliefs, whats the issue? Simply not having the same belief so you get nothing is cult like.
I can't help but notice you didn't put any time stamps on a particular situation or story that you are applying your comment to. I would think if you wanted any intelligent discussion you would have included such info I'm talking about that you did not include in your original comment. Would you actually elaborate as to why you think they're forcing religion on people
Can't believe Dave let Chris mention that the retirement investments for Chris' MIL (Harrisburg PA) has "a couple million dollars" in it but only will product 60K this year? ~3% return? What the heck is it in? It needs to be moved, or the advisor fees are out of control.
When my husband and I met we were both divorced. After falling in love and deciding to marry we needed to do major money budgeting and a reset. My husband had been married for 21 years and raised two children and then he lost everything else in his divorce. He had debts to pay off and he had no retirement savings accrued at age 50. In order to start our two lives over together AND build his retirement fund, we had to live on $23,000 per year (in 1986.) My small, modest home and my vehicle were paid off and I had a $21,000 salary coming in, a freezer full of food and no debts. We used his entire annual salary to pay off his debts. To do that we had to scale down to the very basics of spending for extreme need only. This meant no dates nights that cost money, no diamond in my ring, no honeymoon and a second job at night to earn cash for our simple wedding. Yes, it was very hard five years sacrifice but it was worth it in the end.
The phone call they took with the Chloe about her husband is ridiculous. They're putting words in her mouth and not giving her actual advice that helps 😅
My husband and I are debt-free, with no mortgage. We have several hundred thousand in our home and money in the bank. I want to sell our house and downsize. but I can not get him to agree because he won't give up his "stuff". I know in a few years he will be very sorry, he will work forever and we could save so much more. It is so frustrating to try to get him to see the light. We need a small home and yard to care for and we only have 750.00 total monthly expenses now, but in the long term if we keep the house we will have major expenses and the house will only depreciate. We have been in this house for over 30 years and I know he hates change but sometimes you can stay in a home and neighborhood hood too long and things go downward. Get out now while we can.
"Don't get married until you've 'self-actualized'. "Figure out who God made you to be on your own time, not your family's time." Am I interpreting this correctly?
Why is Deloney always pushing divorce?? Are you done, you don't like his side hustle, telling women they deserve better.. you have 5 minutes to get the scope of someone's life, dude. There is no real picture available, nor true sense of wisdom and honor, nor real pursuit of aid available in Delenoy's protestant woman-selflove campaign every time he speaks. Love Dave's show from a pragmatic perspective. Marriage is for life. There is no wisdom that Dave preaches financially that also incorporates itself into anything Deloney says. Actually creates more problems, way more problems.
Most counseling and therapy educational programs have been thoroughly Infested by liberal feminism and so there's a thing now where people in his position are typically going to hold false and immoral beliefs because they were indoctrinated at uni.. I agree its disgusting.
Wayne its no way in the future you will know if the 2 years olds will be better than her at 24 makes no sense if she not on drugs a criminal makes no sense to cut her out
It’s funny to me how Mr. Ramsey has said the show does better when he’s not hosting, & I can’t help but think it’s very obvious that it’s due to his crassness. He was borderline rude to the first caller & should have been more gentle & gracious
*NEEDING ADVICE* I am a single mom of 2 kids. I just got divorce from a 10 year abusive marriage. Out of the divorce I got the run down work car. Needs thousands of dollars in repairs, been in multiple wrecks, no ac, and has 260,000 miles on it. I do have some charged off bad debt and 9000 in student loans. I know the rule of thumb is pay the debt. But I don’t think this car is going to make it much longer. I have my 1000 emergency fund. I don’t know if I should keep paying monthly payments on my student loans, leave the charged off accounts alone for now and massively save to be prepared to buy a new car when this one gives out. Or stay focused on paying off the student loans and charged off bad debt and hope for the best??? I don’t have anyone to help me find a car or make sure I’m making a good choice. So I just really scared I’m gonna get caught off guard and have to end up getting into car debt as well. I need something reliable for me and my children… any advice out there?
I am 23 and have 60k in a vanguard money market acct that yields 5.4%. I would like to buy a duplex in 16 months and will have about 100k for a down payment. Is this a bad decision? I would go into 230-240k in debt. Also, is there somewhere else I should park my money to get a higher return for the next 16 months.
Good morning to all I always try to stay positive yet real in my experiences with Ramsey I called yesterday actually I called last week and I got a return call yesterday which was Monday from an ELP. My question was quite simple straightforward to the point. No no questions. Very basic simple question I asked do you guys charge any fees whatsoever to use the LP people for their advice for all their services and so forth they said yes… My only beef was this. I have never heard on the podcast on the programs on the TV etc. Dave Ramsey ever say anything about fees and LP’s… Out.
An hour and a half show and 6 calls. That's sad. That's why I'll never watch live. 6 calls should be 30-40 minutes. You should be doing 15-18 calls for a 90 min. show.
Well, there were a couple of debt free screams, a BUNCH of ads, and a lot of host chitchat to go along with those six calls. Look at it as a blessing. Since you don't watch it live, you can fast forward through all the other stuff, and then you have way more time for other things (a side hustle, perhaps?).
Sorry this show has become too political. I'm sorry to lose you guys. You could do so much more good work if you just stayed out of politics. It's a great loss to the world. I have great respect for the financial, psychological and boundary related advice. Thanks for that but you're pushing some of us away. Peace.
Did your medical provider tell you about compassionate care? Any hospital that received federal funds is supposed to tell patients about this but my understanding a lot do not.
Why is this episode of The Ramsey Show consistently being "viewed" by thousands each day, weeks after it debuted? Just this one particular episode keeps increasing in viewership by thousands over each day. No other episode, just this one. Hmmm. . . Could it be so it looks like an even bigger drop off in viewership between this episode and the following day's episode??? Interesting.
An inheritance that lasts forever. First Peter 1:3 Blessed be the God and Father of our Lord Jesus Christ, which according to his abundant mercy hath begotten us again unto a lively hope by the resurrection of Jesus Christ from the dead, 1:4 To an inheritance incorruptible, and undefiled, and that fadeth not away, reserved in heaven for you, 1:5 Who are kept by the power of God through faith unto salvation ready to be revealed in the last time.
The first caller who is worried about the daughters christianity. 😂I guess he needs to dig deeper about the way her daughter us being treated by the step mom/ young wife .😮
Man give it to her Whatever it is talking about living by the Bible. Haiti. Is at war but we’re talking about what. Your. Not giving up. Ukraine. Is a war talking about the bible. We’re is the kingdom.
I’m a self proclaimed godless heathen and I’ll still agree with Dave. Her parents don’t owe her anything. She can build her own wealth living her own way is that’s what she wants to do. Trying to make up for being a bad parent with money is terrible idea. She’s an adult she can get adult help and figure out her own life.
Wayne-- treat your 3 children the same way. Don’t let your wife make you treat your own daughter differently. Your daughter and sons are your blood. Your wife is going to try to take care of her sons all her life. She will always marginalize your daughter. You should honor the good soul of your daughter even if your daughter is not perfect. Are your sons perfect? John is so right about this situation. I worry for your daughter in this situation with your wife. Don’t use money to punish your daughter
What a great rep[y, how true, I took care of my sons for too long, and it has turned out okay but I should have done it sooner. They blossomed and grew and I focused on my health and myself. It was worth it. You do them no favors if you wait to long.
And don't let your second wife punish your daughter. Your second wife sounds mean.
I feel the same way. He seems to have made mistakes in his life, yet his daughter has to be perfect to deserve his money... new young wife is being greedy
I’ve paid 56k in 10 months ❤️ Thanks, Dave!
Officially debts FREE 🎉
That's incredible. How did you do it?
Congrats!
Congrats!!! 🎉
YAY!!!!! Dave's way works.
I'm starting my journey now! I'm SO excited to become debt free!
Congratulations, doesn't that feel refreshing?
Wayne. Your second wife wants to leave your first daughter out in the cold. She's your daughter and you should protect her. Be a decent father.
Exactly! It sounds like the new wife is trying to disinherit his 1st daughter
I would hate to be his daughter smh
Yep!!!!! That’s immediately what I thought too. Selfish woman. Terrible.
STEP MOM should be out of the will bc she is NOT being godly. She better watch out bc she may think her biological children will be prefect, but life hs a funny way of working things out to teach some real world lessons. Cruel.
YES!! 🙌🏽
He divorced her mother, wasn’t in her life for 6 years and now wants to get the blessings from strangers to cut her out of the will now that his new younger wife thinks that’s best? That’s so wrong and sad. Come on man.
That’s so pathetic of him and his young wife. SMH.
I need to relisten. I honestly got something else. I thought he just wanted to make sure his will had provisions to safeguard squandering or reckless living.
I see your point now.
And trying to use "faith" to justify it. He is no more free of sin than his daughter. Hate this type of Christianity so much. Hypocrites. Hypocrites everywhere.
Who?
100% the right answer on the first call. Punishing your children is never going to help you grow closer.
I love John, thanks for throwing that jab in at the step mother. As the father I’d be side eyeing her.
Hearing them yell debt free brought me to tears, they were so happy, and worked so hard!!!❤
"The interest rate was not the issue; it was the principal" - Love that!
That first call was heartbreaking. If my kids are not practicing Christians, decide to convert to Bushism or any other religion they’re still my kids. I hope his daughter turns out to be a better parent than him. Heartless call.
Typical older guy on second family with much younger wife. She (the wife) has him by the...
...ignorant zealots gonna ignorant zealot...
Well say the daughter converted to Islam and is married. She's still a wife of one man. In this scenario she would still be "living by the Bible" although not practicing Christianity.
If that makes any sense.
@@richsamuel2922 So?
@@richsamuel2922 I come from the old world where we are apostolic orthodox Christians. We still have practices dating back to the earliest of early Christianity. We don’t cut out our children. This idiot didn’t even say what his daughter was doing right or wrong only if she leads a non churchgoing life she’s out of the will. Excuse me sir. You are having multiple children with different women. In the eyes of God you are still married to wife number 1. So let he without sin cast the first stone.
I doubt the man who called about the inheritance for his daughter will read this, but if you want to permanently hurt your daughter, manipulate her with inheritance. I don't know why you would sit her down at 24 and tell her she won't inherit anything if she doesn't live "according to the Bible" which can have so many different meanings for so many different people. And shame on your second wife wanting to cut out your biological daughter. Your wife doesn't sound like the "god-fearing" Christian that you describe her as. My worst fear would be something happening to me and my husband remarrying someone cruel like your new wife who would want to be mean to my daughter. I don't usually leave comments for strangers on the internet, but Ramsay got this one wrong.
I think your resistance right on target. His wife wants him to be mean to his daughter and he doesn't question it? For shame!
I meant "response is" not resistance.
As a dad of two, my goal is to be in my kid's lives and guide them into adulthood. Inheritance and solid relationship are two different things.
Inheritance is what is given when you die. Each year you have to consider who will take care of your kids, funeral, and estate. Also who will be executor over it all.
Solid relationship is what you get after healing whatever hurts may be present or simply guiding your children into a position of equal standing. You may need to get together with your adult children and do things together in order to build greater trust.
Deciding what charitable work your money may do at the end of it all comes a long way after providing for your family and building solid relationships. To be fair to Dave, I think he already did a good job of providing for his kids and developing their relationship to the point where they can communicate as equals. 2 His advice was still solid: don't use a future Inheritance as a carrot to get what you want.
I like how John gets his little playful jabs in. He's the most confident to do it.
Forcing your kids into religion fails every time. You're setting them up for resentment against not only God, but you.
💯
Paying down my mortgage ahead of time paid dividends when interest rates shot up a few years ago, as my mortgage payment did not soar with the extra interest because the principal balance was fairly low. I am now down to just over 6k principal, so interest is under £30. I am looking forward to being mortgage free sometime in late 2025, maybe even sooner if I can get some extra cash from somewhere. Definately worth it. Even now if I had to row back, my payments would be very low.
That couple from Iowa ,on the debt free stage...is definitely one of my favorites .
Gotta look past the sandals tho 😅
Thank you, Tammy! 🤍
Her laugh is so sweet and she has a lovely personality.
Amen! Serious kudos to this couple.
Thank you for recommending Rebecca Jin financials on one of your videos. I reached out to her and investing with her has been amazing.
Wow, congratulations on your impressive investment success! Your discipline and focus on delayed gratification is truly inspiring. I'm curious, what are some of the key factors that you consider when making investment decisions? Do you have any tips for those of us who are just starting to dip our toes into the world of investing? Thanks for sharing your story!
Do you mind sharing info on the adviser who
assisted you? I'm 39 now and would love to
grow my portfolio and plan my retirement
She's Rebecca Jin financials
How do I access her ? I really need this
+130
Being people’s person is very vital as my grandfather used to say who was a great leader and loved by the people. You can’t treat people as numbers although to some that’s all it is. Dr.Deloney’s sub numbers are skyrocketing because of his humility not lecture. The numbers speak for itself.
I agree with title of this video. I paid off my house three yrs early and had almost zero $$ left when it was paid for. Now Ive been saving for almost two years and have more $$ now than i did when i started paying it off. I plan to continue saving even though the amount Im saving each month is kind of painful. Its worth it.
I was homeless, did drugs, went into prison, where I got to know God. He changed my life. Now I have a home, a wife and a lovely year old daughter (Zoe), and a stream of income that gets me $32,000 Weekly. Plus a new identity- a child of God. Hallelujah!!!
Excuse me for real?, how is that possible I have struggling financially, how was that possible?
Mrs Mary Margaret Schimweg is lord sent!!!
I always appreciate God for his kindness upon my life
YES!!! That's exactly her name (Mary Margaret Schimweg) so many people have recommended highly about her😊 and am just starting with her Brisbane Australia🇭🇲
Same here, with my current portfolio made from my investments with my personal financial advisor (Mary Margaret Schimweg) I totally agree with you
Chloe’s husband is probably going through what so many jobseekers go through these days. Jobs that pay over $15 an hour require 5 interviews and have 200 applicants.
But too bad, if you can’t get the job you want, you have to settle for something that puts food on the table. There’s no shame in being employed, even if it is throwing boxes or flipping burgers. It’s hard for all of us right now. I’m not even in the USA, and it’s the same in my country. But you know who’s hiring? The grocery stores and labour agencies. Swallow your pride and do your duty as a husband.
😢
LMAO yeah right!
He has a Class A- School Bus is hiring!!!! Trust me.
That was a heavy call! We cannot control our children.... we can only guide them.. and teach them the ways of the Bible, the rest is up to them! Never punish them with your wealth.
I love debt-free screams!!! Specially when people paid off their home mortgage. It makes me excited and happy. I know I can accomplish it too! ❤🎉
I flew for the first time... were your arms tired?? 😂😂😂 Dave
My family has used the will as a bargaining chip, manipulation tool and I politely let them know I want nothing. My peace means more to me that anything and when I hear any parent talk of if you want my money you need to do this and that, I say if you cannot will me the money with no string attached, keep it.
Go Jason and Marissa 👏 y’all are fun and down to earth! Have the joy of the Lord! God bless y’all and LOVE your story on how you met ❤
Give your children yourself not just your money is truly the way to go.
Dr. John, that first full minute you were so busy I could barely concentrate, lol!
Its funny how the religious caller is so controlling about giving his own blood his inheritance. How sad and how ironic of a christian.
Regarding the first caller, if his daughter is atheist or agnostic but is still a kind, loving and giving person, she is still cut out of the will because she's not a "Christian"? I didn't realize coercion was biblical. So much for free will....
It's his money. He can choose to do with it whatever he wants.
I agree weird!
I thought I heard him say she was recently "saved."
@@curlsncoilsnwaves7324 yes he has the choice to be a decent father or not. Clearly his weak spine and his new wife rather not leave money to the daughter.
It’s an excuse and he’s trying to justify why he’s not including her in the inheritance. We all know the real reason…. New wife wants to cut out step daughter, all money should go to her kids.
Absolutely truth, an inheritance is a heavy weight, because you're managing and growing it for the next generation.
Cheating girlfriend call - I prefer Dave’s responses to these situations. Deloney - we don’t need the overemphasized emotional response.
Love the debt free screams soooooo inspiring! I WILL change my family tree!
That was a shitty second wife and a stupid husband who couldn’t see what she was doing. Poor kid
My question would be how active of a father was he in his daughter’s life did you dip in and out? Were you consistent when you got married the second time because this seems as if your wife is trying to be stricter with her stepdaughter than she would wear her own children.
A "god fearing xian" who is on his second marriage....thats interesting
That first call is total bologna. His wife is trying to manipulate him and control the situation to appease her. Unless the kid is abusing drugs or something of that magnitude, she is entitled to her share of the inheritance, whether she becomes a beliver or not. The whole premise of the call was not very "christian."
Churchill Mortgage charges top dollar interest rates for those without a credit score!
Wayne, did you live according to the Bible when you were 24? I doubt it!!! Give your daughter some grace. She 24 not 44! What exactly is she doing? Give her some time!!!!
I love this show! It's motivating!
Why do the hosts always try to convince a caller that their marriage is on the verge of divorce? They keep doing this without really knowing all of the details and background. That’s really irresponsible.
Step mom should be out of the will bc she is NOT being godly. She better watch out bc she may think her biological children will be prefect, but life hs a funny way of working things out to teach some real world lessons. Cruel.
One job... is better then no job... and more then one job... is better... 2 or 3 jobs... we have to do what we have to do!
My dept just approved me to work Overtime helping another dept. Im hoping that 2025 will be the year I pay my leftover $19,000 school loan out of $46,000.
Best of luck to you ! God Bless 🙏🏼
I love Dave and John speaking about what a man is and is not!
I could go on and on about the males in my life but, i wont. Gods given me a way forward. I hope to meet, fall in love and marry a MAN one day.
I'm very glad they call3d her out.. your kids are very little if they start straying will you take em out?? Probanly not.. I will never understand peopemqho blend families and think this way! I hope that step mom changes her mind set and I hope that father continues to build with his child !
That first call really makes me struggle with Ramsey at times.
Imagine cutting your daughter out of a will because she doesnt have the same beliefs. Dave says if shes doing cocaine which i agree woth, but if shes a woman of good character, good morals etc but is atheist, but respects your beliefs, whats the issue?
Simply not having the same belief so you get nothing is cult like.
Great way to FORCE God on people. Instead of loving them to God.
I can't help but notice you didn't put any time stamps on a particular situation or story that you are applying your comment to. I would think if you wanted any intelligent discussion you would have included such info I'm talking about that you did not include in your original comment. Would you actually elaborate as to why you think they're forcing religion on people
Can't believe Dave let Chris mention that the retirement investments for Chris' MIL (Harrisburg PA) has "a couple million dollars" in it but only will product 60K this year? ~3% return? What the heck is it in? It needs to be moved, or the advisor fees are out of control.
WE are better than i deserve ..i Replayed to just listen to that sentence
When my husband and I met we were both divorced. After falling in love and deciding to marry we needed to do major money budgeting and a reset. My husband had been married for 21 years and raised two children and then he lost everything else in his divorce. He had debts to pay off and he had no retirement savings accrued at age 50. In order to start our two lives over together AND build his retirement fund, we had to live on $23,000 per year (in 1986.) My small, modest home and my vehicle were paid off and I had a $21,000 salary coming in, a freezer full of food and no debts. We used his entire annual salary to pay off his debts. To do that we had to scale down to the very basics of spending for extreme need only. This meant no dates nights that cost money, no diamond in my ring, no honeymoon and a second job at night to earn cash for our simple wedding. Yes, it was very hard five years sacrifice but it was worth it in the end.
Divorce + remarriage = Adultery. Doesn't matter how many people are doing it. The judgement by God will be the same. Remember the days of Noah?
Thank you for saying that! This was a "Not my child moment" and you're not giving guidance on this at all. Give them guidance!
Regarding the first caller - I heard it said recently on youtube "a gift with a condition is a bribe".
Walk your own path
Our beautiful baby, Azania🎉🎉🎉🎉
A well-deserved title ❤❤❤
New wife is definitely working hard on the “evil step mom” stereotype! Wayne, do not treat your daughter differently! That’s not “Christian” either!
Congrats Marissa and Jason! 🥳🏡
The phone call they took with the Chloe about her husband is ridiculous. They're putting words in her mouth and not giving her actual advice that helps 😅
Agree, they were a little harsh with her.Shes is obviously keeping them afloat.
My husband and I are debt-free, with no mortgage. We have several hundred thousand in our home and money in the bank. I want to sell our house and downsize. but I can not get him to agree because he won't give up his "stuff". I know in a few years he will be very sorry, he will work forever and we could save so much more. It is so frustrating to try to get him to see the light. We need a small home and yard to care for and we only have 750.00 total monthly expenses now, but in the long term if we keep the house we will have major expenses and the house will only depreciate. We have been in this house for over 30 years and I know he hates change but sometimes you can stay in a home and neighborhood hood too long and things go downward. Get out now while we can.
His intro gets me emotional.
Always take care of your children. The world won’t!!
"Don't get married until you've 'self-actualized'. "Figure out who God made you to be on your own time, not your family's time." Am I interpreting this correctly?
So far I’ve paid 12k back and the snowball is rolling faster and faster each week
Why is Deloney always pushing divorce?? Are you done, you don't like his side hustle, telling women they deserve better.. you have 5 minutes to get the scope of someone's life, dude. There is no real picture available, nor true sense of wisdom and honor, nor real pursuit of aid available in Delenoy's protestant woman-selflove campaign every time he speaks.
Love Dave's show from a pragmatic perspective. Marriage is for life. There is no wisdom that Dave preaches financially that also incorporates itself into anything Deloney says. Actually creates more problems, way more problems.
Most counseling and therapy educational programs have been thoroughly Infested by liberal feminism and so there's a thing now where people in his position are typically going to hold false and immoral beliefs because they were indoctrinated at uni.. I agree its disgusting.
A bizarre question followed by a bizarre answer
Wayne its no way in the future you will know if the 2 years olds will be better than her at 24 makes no sense if she not on drugs a criminal makes no sense to cut her out
Congratulations to that debt free couple
When are you coming near Santa Barbara, California?
It’s funny to me how Mr. Ramsey has said the show does better when he’s not hosting, & I can’t help but think it’s very obvious that it’s due to his crassness. He was borderline rude to the first caller & should have been more gentle & gracious
*NEEDING ADVICE*
I am a single mom of 2 kids. I just got divorce from a 10 year abusive marriage. Out of the divorce I got the run down work car. Needs thousands of dollars in repairs, been in multiple wrecks, no ac, and has 260,000 miles on it. I do have some charged off bad debt and 9000 in student loans. I know the rule of thumb is pay the debt. But I don’t think this car is going to make it much longer. I have my 1000 emergency fund. I don’t know if I should keep paying monthly payments on my student loans, leave the charged off accounts alone for now and massively save to be prepared to buy a new car when this one gives out. Or stay focused on paying off the student loans and charged off bad debt and hope for the best??? I don’t have anyone to help me find a car or make sure I’m making a good choice. So I just really scared I’m gonna get caught off guard and have to end up getting into car debt as well. I need something reliable for me and my children… any advice out there?
Profile picture doesnt match your story
I am 23 and have 60k in a vanguard money market acct that yields 5.4%. I would like to buy a duplex in 16 months and will have about 100k for a down payment. Is this a bad decision? I would go into 230-240k in debt. Also, is there somewhere else I should park my money to get a higher return for the next 16 months.
Good morning to all I always try to stay positive yet real in my experiences with Ramsey I called yesterday actually I called last week and I got a return call yesterday which was Monday from an ELP. My question was quite simple straightforward to the point. No no questions. Very basic simple question I asked do you guys charge any fees whatsoever to use the LP people for their advice for all their services and so forth they said yes… My only beef was this. I have never heard on the podcast on the programs on the TV etc. Dave Ramsey ever say anything about fees and LP’s… Out.
LP are charged a fee by Dave Ramsey to be listed!
An hour and a half show and 6 calls. That's sad. That's why I'll never watch live. 6 calls should be 30-40 minutes. You should be doing 15-18 calls for a 90 min. show.
Start your own show!
Well, there were a couple of debt free screams, a BUNCH of ads, and a lot of host chitchat to go along with those six calls. Look at it as a blessing. Since you don't watch it live, you can fast forward through all the other stuff, and then you have way more time for other things (a side hustle, perhaps?).
6 calls is fine with me. It’s less rushed.
@@bettedavis9261 Amen!
Not so sure it's possible to disinherit a child in Canada.
How do will start please
Sorry this show has become too political. I'm sorry to lose you guys. You could do so much more good work if you just stayed out of politics. It's a great loss to the world. I have great respect for the financial, psychological and boundary related advice. Thanks for that but you're pushing some of us away. Peace.
Good bye
We have sacrificed so much already for over two years and we are still homeless and in medical debt.
Did your medical provider tell you about compassionate care? Any hospital that received federal funds is supposed to tell patients about this but my understanding a lot do not.
Felt💜💜💜
Jason and Marissa…💕💕💕
Really good discussion.
I just have 1 daughter. ( I have 2 children).
Adult daughters are in a different world.
Thanks for the video!❤
11:23 Ben Shapiro a good man. I don’t agree with everything he say. But he a good man that’s truth.
Fantastic!
Why did the couple say they earn between 90k and 140k? Which is it?
Absolutely deranged first caller.
“Did it mess up brain function?” Ha ha ha!
Caller #2. You dont lose finances. I think you mean lose money?
Amen.
Ben Israel fist Shapiro. You evangelicals are a funny bunch
Six calls for the entire show?!
Yes, six!
lol I’m a satanist stoner and I love Dave’s financial advice
What does it mean to live by the bible? I mean, beyond the 10 commandments.
Why is this episode of The Ramsey Show consistently being "viewed" by thousands each day, weeks after it debuted? Just this one particular episode keeps increasing in viewership by thousands over each day. No other episode, just this one. Hmmm. . . Could it be so it looks like an even bigger drop off in viewership between this episode and the following day's episode??? Interesting.
Love it ❤
Bam!
Should go on Michael savage podcast or if you really want to get bold and be in the know, Infowars with Alex Jones
Alex Jones is a lunatic lmao
An inheritance that lasts forever.
First Peter 1:3 Blessed be the God and Father of our Lord Jesus Christ, which according to his abundant mercy hath begotten us again unto a lively hope by the resurrection of Jesus Christ from the dead,
1:4 To an inheritance incorruptible, and undefiled, and that fadeth not away, reserved in heaven for you,
1:5 Who are kept by the power of God through faith unto salvation ready to be revealed in the last time.
The first caller who is worried about the daughters christianity. 😂I guess he needs to dig deeper about the way her daughter us being treated by the step mom/ young wife .😮
75 dollars a week for Bourbon? How?
WOW
Right?! And I thought me spending money on coffee weekly was bad even though I'm debt-free.
👏🏿👏🏿👏🏿👏🏿 19:17
Man give it to her Whatever it is talking about living by the Bible. Haiti. Is at war but we’re talking about what. Your. Not giving up. Ukraine. Is a war talking about the bible. We’re is the kingdom.
Nice
Dylan, you need to run bro. There's no way you'll have a happy life with that woman.
I’m a self proclaimed godless heathen and I’ll still agree with Dave. Her parents don’t owe her anything. She can build her own wealth living her own way is that’s what she wants to do. Trying to make up for being a bad parent with money is terrible idea. She’s an adult she can get adult help and figure out her own life.